Looking for Auto Insurance?
Safe Street Insurance has many options to get you covered. We can help you with normal auto insurance, as well as car insurance for your cool collector cars.
When you think about what car insurance covers, most only think about damage to their car. The truth is, car insurance covers much more than your car.
With the large amount of cars on the road and the distractions drivers deal with, the chances of a car accident are very large.
You’re at risk every single time you get into your car.
It’s important to understand what your coverage options are — not just for your car, but for you, and people who you injure in an at fault accident.
Having adequate Car Insurance limits is serious business
If you are in an accident, and at-fault for someone else’s injuries, you could lose everything if you’re not properly insured.
It’s important to know that having better coverage doesn’t always mean paying more for insurance.
Because Safe Street Insurance is 100% independent, we look at your specific situation and compare a wide range of insurance companies to see who offers you the best rate possible.
The best part? It doesn’t cost you anything to use us. We are paid by the insurance company directly. We simply play the middle man to ensure your needs are met and you’re covered sufficiently.
No two insurance policies are equal, and while you may try to compare the two “apples to apples”, the fine print in the contract can vary drastically from company to company.
This is why you need someone like us. Someone that can look at your individual situation and find the best policy tailored just for you.
Find out how much car insurance costs here.
Important Auto Insurance Coverages
When you look through your auto insurance policy, you may see certain coverages and not know what they are, and why they’re on your policy.
Let’s look through some important ones:
Collision Coverage
This coverage helps cover your car in the case you damage your car in an accident with a fixed or moving object like another car, a fence, a gas station, a light pole, etc..
Comprehensive Coverage
This coverage also protects your car, but when something else damages your car. For example, theft, a rock that cracks your windshield while you’re driving on the highway, an animal you might hit, and so on.
Property Damage
This coverage helps if you damage someone else’s property in an accident. This is the part of your policy that compensates the other person for that damage
Bodily Injury Liability
This coverage protects you financially in the event you injure someone else in an accident. This coverage would help pay the other party’s medical bills and other related expenses. With today’s “sue-happy” society and the rising costs of medical care, it’s not smart to carry liability limits that are too low. This is something we can help you decide on.
Un-insured & Under-insured Liability
This coverage is for you. If you are injured by someone else that doesn’t have any insurance or doesn’t have enough insurance. Unfortunately, there are many people driving around with no insurance and even more people driving around without enough insurance. Protect yourself with this valuable coverage.
Common Auto Insurance Rating Variables
Age — insurance companies use your age in their rating factors. If you are under 25, or over 65 you wont get preferred rates because statistics show that those two age groups cost insurance companies the most and are therefore a riskier person to insure.
Credit — credit has been used to rate your insurance for many years. The better your credit, the better your rates will usually be
Car — the type of car, engine size, safety features, etc.. are all part of determining the rate
Driving History — your driving record and loss history plays a large role.. If you have a bad driving history with moving violations or accidents, you won’t get a good rate until those incidents are at least 3 years old.
Household — insurance companies will take into consideration everyone living in the household. This help them determine what the probability of loss will be. If there are multiple drivers in the house who are under the age of 25, that will impact everyone’s pricing in the household
How to get started with your car insurance quotes
If you live in Gilbert and are looking for a car insurance quote and advice, Safe Street Insurance makes the process easy.
We do the hard work for you!
Call or text our office directly, or complete the fields below and we’ll get started on your policy review and quote!